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Beachlover gave good advice to everyone about the lack of wisdom in misrepresenting things on a life (or other) insurance application. It's actually worse than you stated, though. For example, if you misrepresent your diving history to get a lower rate, and then die from a car accident within the contestable period, there's a good possibility that the insurer will rescind the policy, and pay only a return of premiums paid, even though the cause of death was unrelated to the matter being lied about. There have been cases on that point where a person misrepresented his smoking situation.
If your agent tells you to lie on an application, you should get another agent.
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